Why do some stores not take Discover/Diners Card?

I myself do not have one of these cards but i noticed some places do not take them. Do they need a different card reader? do they need to pay a fee if they should accept them? And why would someone use such a card when its not accepted everywhere?.

I think it's because different credit card companies charge businesses different rates for using their cards. And Discover apparently charges higher rates than others...

And why might consumers continue to use cards that aren't as widely accepted? Benefits. But to elaborate, specific CCs might offer better rewards or incentives that appeal to different people (Discover in particular offers handy vouchers and whatnot that can be used in a variety of stores).

10 years ago I worked for a different company and was given a corporate Diner's Club card. That thing was hard to use even back then. Most hotels would take it, but rarely did restaurants accept it, as well as gas stations.

I don't even know anyone with a Diner's Club card anymore. I thought Discover was going to go belly up, but they have been enticing me with some very low interest rates lately. But I certainly don't need another credit card. I've only got a few thousand left to pay on one card and then all my cards are paid off.

From what I remember (this was a while ago)
Visa and MC charge merchants 3%, Discover is 4.5% and Amex is 6%. There may also be yearly fees and minimums per charge(for instance $.50 or 3% which ever is greater.)

From what I remember (this was a while ago)
Visa and MC charge merchants 3%, Discover is 4.5% and Amex is 6%. There may also be yearly fees and minimums per charge(for instance $.50 or 3% which ever is greater.)

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fwiw, i don't know how true this is, but supposedly they give different merchants different rates too. probably depends on sales and usage and such. not surprising if true either.

I worked at a large fast food chain, and we didn't accept Discover because they would not agree to set terms. They wanted to charge a variable percentage based of the purchase size, so my company refused to accept them.

Walmart threatened to open up their own bank just to make their own credit card.

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Well, in some cases it seems like they have. Their shopping cards/gift cards aren't operated by another company like some stores' cards are. I know Best Buy has (or used to have) American Express backing their cards.

10 years ago I worked for a different company and was given a corporate Diner's Club card. That thing was hard to use even back then. Most hotels would take it, but rarely did restaurants accept it, as well as gas stations.

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Diners Club has formed an "alliance" with MasterCard, so it pretty much works any place MC works, which seems to be every place that VISA works.

Has anyone every seen a place that only took MasterCard or VISA, but not both?

Me too. Unfortunately, that one time was at the grocery store and $95 in groceries had already been bagged. I had no other form of payment (honestly, who would think that a chain of grocery stores wouldn't take amex?) leaving me no other choice to walk out of the store.

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